| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVE PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $20K | — | $20K | 3.23% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $2K | $34 | $2K | 4.50% |
| SUSAN WILLIAMS3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $847 | $27 | $874 | 2.43% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $500 | — | $500 | 1.39% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $305 | $11 | $316 | 0.88% |
| MIL-LIN INC3 | 1640 COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $263 | — | $263 | 0.73% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $181 | — | $181 | 0.50% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $110 | $7 | $117 | 0.33% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $108 | — | $108 | 0.30% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $88 | — | $88 | 0.24% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $79 | — | $79 | 0.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $77 | — | $77 | 0.21% |
| DANNY ROSE3 | 150 HAZEL LANE CAPON BRIDGE, WV 26711 | AFLAC | $58 | $4 | $62 | 0.17% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $39 | — | $39 | 0.11% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 717 GREEN VALLEY RD, STE 200 GREENSBORO, NC 27408 | AFLAC | $36 | — | $36 | 0.10% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | PO BOX 449 FOREST, VA 24551 | AFLAC | $28 | — | $28 | 0.08% |
| ROBERT LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $27 | — | $27 | 0.08% |
| CHERYL D DAVENPORT3 Filed as: CHERYL DAVENPORT | 13407 SOUTHWALK ST SAN ANTONIO, TX 78232 | AFLAC | $18 | — | $18 | 0.05% |
| JENNIFER LONG3 | 704 WESTMINSTER LANE VIRGINIA BEACH, VA 23454 | AFLAC | $18 | — | $18 | 0.05% |
| AUBREY W DAMRON3 Filed as: AUBREY DAMRON | 355 STONELEDGE DR ROANOKE, VA 24019 | AFLAC | $15 | — | $15 | 0.04% |
| JAMES A STUART3 | 2200 EAST DOUBLEGATE DR ALBANY, GA 31707 | AFLAC | $8 | — | $8 | 0.02% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS HAWKINS | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $8 | — | $8 | 0.02% |
| GEORGE BELCHER3 | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $7 | — | $7 | 0.02% |
| THOMAS TAYLOR3 | 1038 GWENS TRAIL SW LILBURN, GA 30047 | AFLAC | $7 | — | $7 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.01% |
| RICHARD L MARTIN3 | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $5 | — | $5 | 0.01% |
| ELMO HERNDON3 | 111 SKYMONT DR BROADWAY, VA 22815 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 2200 GRAYSTONE DR SAINT CHARLES, MO 63303 | AFLAC | $3 | — | $3 | 0.01% |
| SUZANNE G MEEKS3 | 64 MALLORY CIRCLE FISHERSVILLE, VA 22939 | AFLAC | $2 | — | $2 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 | 200 W VINE ST STE 300 LEXINGTON, VA 40507 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 328 SOUTH MAIN STREET HARRISONBURG, VA 228013628 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 328 S MAIN ST HARRISONBURG, VA 228013628 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 328 SOUTH MAIN STREET HARRISONBURG, VA 228013628 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $448 | — | $448 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 169 | $604K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 76 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $8K |
| Other(2 contracts, 2 carriers) | AFLAC | 105 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.